Sem

Sem S. is a 53-year-old woman who lives in the province of Kompong Tom. To earn a living, she cultivates rice on her own land which she inherited from her grandparents. Her husband also helps her with the farming. They have seven children; two are single and five are married. Two of their children are employed in various occupations and they always share their profit with Sem S. to use for daily expenses.

Sem S.’s daughter has been spending money on taxis to get to work because she doesn’t own a vehicle. To encourage her daughter, Sem S. is applying for a loan to purchase a used motorcycle, which will allow her daughter to commute to her work location.

Additional Information

About HKL

Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.